ACA Marketplace Explorer
A browser for public CMS data on Affordable Care Act health plans sold to individuals.
Each year, insurance companies that sell ACA individual-market plans (the ones people buy through Healthcare.gov or their state's exchange) file detailed paperwork with the federal government to justify their rates, describe their plans, and report enrollment. This site organizes that data so you can look up what's happening in your state, compare insurers, or see how things have changed over time. The data comes from CMS public files covering benefit years 2022 through 2026.
Filings
The top-line rate filing — one row per insurer, per state, per year. Premium, claims, member counts, and projected rate change.
- Issuer Detail — full worksheet for one insurer in one state-year, with cost waterfall and trend charts
- Issuer Comparison — rank every insurer in a state-year by any metric
- Year Comparison — track one insurer's filings across years
Plans
Plan-level detail — every individual plan offered (e.g. "Silver HMO 5000"), with its premium, projected experience, and rate-change components.
- Plan Detail — full worksheet for a single plan
- Plan Comparison — compare every plan in a state-year, filterable by metal level and on/off-exchange
- Year Comparison — one insurer's plans across years, with a metal-by-year trend chart
- Metal Comparison — issuers × metal-level grid for a single state-year
Rate Areas
Geographic rating factors — the same plan can cost different amounts in different parts of a state. This is the multiplier insurers apply in each region.
- Issuer Detail — one insurer's factors for every rate area in a state
- State Matrix — heat-colored grid showing every issuer across every rate area
Risk Adjustment
End-of-year transfers between insurers, administered by CMS, that balance out the cost of insuring sicker enrollees. Includes both interim estimates and final amounts.
- Issuer Comparison — RA payments and receipts by insurer for a state-year
- Year Comparison — one insurer's RA history across years
- State Trends — RA averages by state, with Final vs. Interim distinction
OEP
Open Enrollment Period statistics — who signed up, demographics, what plans they chose, and how much they paid (after subsidies). Around a hundred metrics per state-year.
- State Detail — every published metric for one state-year, organized into sections
- State Comparison — rank states by any single metric
- Metal Tier — metal level × enrollment-status grid for a state-year
- Year Trends — small-multiple line charts showing one state across years
Enrollment
How many people each insurer actually enrolled — by state, by year, by plan. Combines CMS's FFM and SBM Issuer-Level PUFs to cover the full marketplace.
- Market Share — rank issuers by enrollment for a state-year, with bar charts and share-of-state percentages
- Year Trend — one issuer's enrollment over time, with share-of-state overlay
- By Metal — issuers × metal-level grid for a state-year, with leader highlights and column shares
- By Rating Area — issuers × rating-area grid for FFM states, joining county-grain enrollment to the CMS state-gra crosswalk
- RA × Metal — rating-area × metal grid showing the leading issuer in each cell (estimated by applying each issuer's metal mix to their county enrollment)
Feedback
Found a bug? Want a feature, a new view, or a different data slice? Send a quick note — it takes about thirty seconds.
- Bug · Feature · Data view — pick one, describe what you'd like
- Email is optional. We'll only use it if we need to follow up.